After the user signed the mortgage contract, if the bank staff didn't give it to the user at that time, it might be because they were too busy and negligent. After the loan is completed, the bank will generally return the mortgage contract, repayment details and other information to the user at one time, and the user only needs to wait for the bank to lend money to give the mortgage contract.

After the loan, there is still no mortgage contract. Users can go directly to the bank to ask the staff for it, because the mortgage contract must be given to the lender.

First, how to handle the loan purchase?

1. Select an attribute. Confirm whether the selected real estate developer is supported by the bank, so as to ensure the smooth progress of the loan in mortgage to buy a house.

2. Apply for a mortgage loan to buy a house. Ask the bank about the bank's regulations on applying for mortgage loan to buy a house, prepare relevant materials and legal documents, and fill in the application form for mortgage loan to buy a house.

3. Sign a house purchase contract. After receiving the information, the bank confirmed that it met the loan conditions in mortgage to buy a house after examination, and issued a notice agreeing to the loan in mortgage to buy a house, so that the buyers could sign the purchase contract.

4. Sign a mortgage contract. After signing the house purchase contract, the developer and the bank should sign the mortgage loan contract, and provide the loan payment certificate and the required information to clarify the loan amount, term and interest rate of mortgage purchase.

5. Apply for mortgage registration. With the mortgage purchase loan contract and the purchase contract, go through the mortgage registration formalities with the relevant departments.

Second, the loan to buy a house repayment method?

2. Average capital. The average capital divides the total loan into equal parts during the repayment period, and repays the same amount of principal and remaining loans and the interest generated in the current month every month. This repayment method puts a lot of pressure on the borrower at first, but with the passage of time, the monthly repayment will be less and less. This method is suitable for people with higher income at present or those who expect a substantial increase in income in the near future and are ready to repay in advance.

2. Equal principal and interest. Matching principal and interest refers to the need to repay the same amount of loans (including principal and interest) every month during the repayment period. This repayment method needs to pay more interest, but the pressure on buyers is not so great. If you don't plan to repay in advance, you'd better choose equal principal and interest.

Why didn't I get the house loan contract?

You can consult the bank account manager who handles the loan. Under normal circumstances, there is a contract for bank mortgage, and the bank will give the loan contract, IOU, repayment plan and other information to the customer at one time after lending. After the loan is approved, it will be notified by phone or SMS; The loan contract signed with the bank still has a lot of formalities to follow up, so it didn't reach the lender so quickly. After the bank has gone through all the formalities, it will send a text message to the lender to ask him to collect the original contract from the bank. If there is no loan contract, if the parties want to know the reason, they can ask the bank for the details of the contract; As long as the loan amount has been approved by the bank, the loan amount has been transferred to the real estate developer to pay your house price, and the repayment will start on the 30th day after the house price is allocated (that is, the day of the following month).

Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the lender on schedule in accordance with relevant regulations, and determine the rights and obligations between them. In order to ensure their own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The clauses listed in the loan contract to protect the interests of the lender are called protective contracts. The loan contract itself only means that the lender has the legal right to take action when the borrower violates the terms of the contract. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires.

Use:

The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations.

Clarifying this clause can protect the borrower's right to use funds; For lenders, it can monitor the flow of funds, ensure the return of funds and control risks.

Restrictions:

Reasons for restricting the use of the loan: First, if the borrower uses the loan for illegal purposes and violates the prohibitive norms of national laws and administrative regulations, the loan contract is invalid. Even if the lender is not aware of this illegal use when using the loan, once the lender knows this illegal use, it must stop the borrower from continuing to withdraw money. Secondly, restricting the use of loans is to ensure the source of repayment funds. If the loan is not used according to the agreed purpose, the borrower may lose the repayment ability due to improper operation. In addition, the internal operating policies of lending banks may have restrictions on the industries or departments that issue loans, and government regulations and decrees sometimes have similar provisions. Finally, restricting the use of loans may also be because it involves the interests of third parties. For example, in export credit projects, the use of loans is limited to specific payment targets.

Why not, mortgage to buy a house? How to deal with the house mortgage?

In recent years, many people are worried about buying a house. In terms of buying a house, although there will be various situations, it is not a big deal if it is handled with ease. However, if there are many problems in the case of mortgage, why not give a purchase contract to mortgage the house? How to apply for mortgage purchase?

In recent years, many people are worried about buying a house. In terms of buying a house, although there will be various situations, it is not a big deal if they can deal with them one by one. However, if there are many problems in the case of mortgage, it will not be so simple to deal with, and the contract problem will be even more difficult to deal with. So why not mortgage the house for the purchase contract? How to apply for mortgage purchase?

Why not hand over the purchase contract to the mortgage?

This is illegal. It is also a common problem for buyers to pay down payment, loans and developers to refuse to sign contracts. Sales always tell buyers that there is no contract now for various reasons, and buyers don't know the real reason.

1, in fact, it is a very dangerous thing for buyers that developers do not give the purchase contract.

2. If you don't give a house purchase contract, you can ask the developer for it. If there is no original in a short time, you can also ask him to provide a copy and affix the seal of "This copy is the same as the original". If the developer still refuses to provide it, you can ask the real estate management department to intervene.

3, because according to the provisions of the "Measures for the Administration of Commercial Housing Sales", real estate enterprises and buyers should conclude a written commercial housing sales contract when selling commercial housing. In addition, according to the Contract Law, the Urban Real Estate Management Law and other relevant laws and regulations, the buyer develops the enterprise with real estate, and the purchase contract is a commercial housing sale agreement reached on the basis of equality and voluntary consensus.

How to apply for mortgage purchase?

1. Select real estate: confirm whether the selected real estate developer has obtained bank support, so as to ensure the smooth progress of mortgage to buy a house loan.

2. Apply for a mortgage loan to buy a house: ask the bank about the bank's regulations on applying for a mortgage loan to buy a house, prepare relevant materials and legal documents, and fill out the application for a mortgage loan to buy a house.

3. Signing a house purchase contract: after the bank receives the information, it is confirmed that it meets the conditions of mortgage loan, and the buyer can sign a house purchase contract by issuing a notice of agreeing to mortgage loan.

4. Sign a mortgage contract: After signing a house purchase contract, the developer and the bank sign a mortgage house purchase loan contract with the loan payment voucher and the required information to specify the amount, term and interest rate of the mortgage house purchase loan.

5. Handling mortgage registration: go through the mortgage registration formalities with the relevant departments with the mortgage loan contract and purchase contract.

The above content mainly describes why I don't give mortgage buyers a purchase contract? Introduce in detail how to apply for mortgage purchase. Although the way to buy a house by mortgage is better, there will be many situations when using mortgage, so you must think twice before you act. Buying a house contract is not a very urgent matter, it involves some time planning, so we must wait patiently.

What if the developer doesn't give the purchase contract after the purchase loan comes down?

1, the buyer has the right to ask the developer for the purchase contract;

2, you can ask the real estate management department to intervene;

3. Buyers can go to the Real Estate Bureau to check whether the developer has really handled the relevant housing procedures for you.

Legal basis:

"Regulations on the Management of Urban Real Estate Development and Operation" Article 33 The purchaser of pre-sold commercial housing shall, within 90 days from the date of delivery of the commercial housing, go through the formalities of land use right change and housing ownership registration.

The introduction of the developer's non-loan contract and the developer's tricky non-loan contract ended here. I wonder if you found the information you need from it?